Shoppers Stop HDFC Bank Credit Card
HDFC Shoppers stop black credit card is premium variant of card in the market that offer 7% of return on spends on shoppers stop and 2 % on others. The good part is accumulated reward points can be redeemed in ratio 1:1 on shoppers stop. Apart from this benefits the card also offer complimentary domestic and International lounge access to its customer. The joining and annual fee of this card is little bit high that is ₹4500 but to compensate this it offer its premium Black First Citizen Membership to its customer of value ₹4500 and also ₹1500 voucher as welcome benefits. The person who shops frequently through shoppers stop can save lot through this credit card. To read more about this credit card please read the below article.
JOINING FEE
Rs.4500+GST
RENEWAL FEE
Rs.4500+GST
BENEFITS
16 Complimentary Domestic & 8 International Lounge Access per calendar year.
REWARDS &CASHBACK
7% Reward Point on every shoppers stops spends & 2% on others.
Key Features of Shoppers Stop HDFC Bank Credit Card
Reward Benefits
- Get 7% Reward points on every ₹150 on online/ offline shoppers stop spends. Maximum 2000 RP can be earned in a month.
- Get 2% Reward points on every ₹150 on Non- shoppers stop spends. Maximum 2000 RP can be earned in a month.
- No Reward Points on transaction done on Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances. Bakeries, Insurance, Package store, Beer, Wine, Liquor.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on all fuel station across India. Maximum waiver of Rs.500 per statement cycle.
Airport Lounge Access
- You will get 16 Domestic lounge access ( maximum 4 times in a quater) and 8 International airport lounge access( maximum 2 times in a quarter)
Weekend Benefits
- You will earn ₹1500 on shopping of ₹50,000 or above on weekend. Weekend offer is capped to maximum once in a month and 5 times in a year. Friday, saturday, sunday will be counted as weekend.
Welcome Benefits
- You will get Shoppers Stop voucher of worth ₹1500 as a welcome benefits, redeemable at shoppers stop store or online by making payment through shoppers stop HDFC Bank Credit Card.
Shoppers Stop Black Membership
- You will get Shoppers Stop First Citizen Black membership. This is premium membership offers with this card which allow to earn First Citizen points. You will earn 20 Citizen points on every ₹200 spend on above the reward points earned using this card.
- You will get 1 year Exchange period, 1000 Bonus Enrolment points, Access to lounge, Free Home delivery and many more.
Reward Redemption
- The earned Reward points if you redeemed on shoppers stop online/offline you will get value of 1 Reward point = ₹1. For others it is mention below so it is advisable use your reward point against shoppers stop only if you want good valuye return.
| Redemption | Rewward Point value |
|---|---|
|
Product Catalouge |
₹0.35 |
|
Cashback |
₹0.2 |
|
Airmiles |
₹0.5 |
|
Unified SmartBuy (Flights/Hotels) |
₹0.5 |
Fees & Charges
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is 55.55% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
Eligibility Criteria
| Criteria | Salaried Individuals | Self Employed Individuals |
|---|---|---|
|
Age |
21-60 Years |
21-65 Years |
|
Income |
More than ₹70000 Per month |
ITR should be 8.4 lakh or more |
- Final Thoughts
HDFC Shoppers stop Black Credit Card is suitable choice for the customer who want to maximize their benefits through reward points. It offer 7% value back on shoppers stop spend which can be redeemed in 1:1 ratio on shoppers stops. It is also good choice for traveller because of complimentary domestic and International lounge access and redemption of reward points against airmiles in 2:1 ratio. Overall it is good choice who shops frequently and have interest on travelling can definitely go for this credit card.
- Frequently Asked Questions
Which transaction is excluded in cashpoint program?
Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances are excluded in cashpoint program.
Does HDFC Bank Pixel Play credit card have spend based annual fee waiver?
Yes the annual fee is waived off on spending Rs. 1lakh in previous year.
What is validity of Cashpoint in HDFC Pixel play Credit Card?
The cashpoint is valid for 2 Year.